Fully-featured embedded finance

Create interest-earning FDIC insured deposit accounts for individuals and sole proprietors with features that support cards, money movement, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

Create interest-earning FDIC insured deposit accounts for businesses with features that support cards, money movement, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

Create interest-earning FDIC insured deposit accounts controlled by multiple individuals with features that support cards, money movement, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

Create as many accounts per customer as you need to support your business use case. Each account receives a unique account number and can be managed separately.

Enable customers to receive interest on their account balance. You can easily implement different interest for different customers, for example one amount for “VIP” customers and another for “standard” customers, including the ability to offer more interest than the bank provides.

Optimize your customers income by allowing them to spend on certain items tax-free. Unit allows for HSA, FSA, and HRA debit cards to be issued to customers accounts.

Create dedicated accounts used for tax management that can help independent workers and freelancers automate their taxes.

Create charge cards for your business and sole proprietor customers. Charge cards are cards with a credit limit that must be repaid in full every month. They are issued by Visa and can be used anywhere Visa is accepted worldwide.

Create debit cards for your business, individual, or joint account customers. Debit cards are issued by Visa and can be used anywhere Visa is accepted worldwide.

Issue physical cards with on-demand or custom designs created and shipped directly to your customers through a single API call.

Issue virtual cards, which are unique cards available to use immediately.

Receive clean and structured data for the merchant name, logo, website, location, and categories to create activity streams, reporting, analytics, and more.

Make it simple for your customers to use your card with more of the places they shop and services they use. Enable customers to update the card information on file at merchants just by logging into that merchant.

Build customized cash-back rewards using the card generated interchange. Unit provides interchange information on every transaction as well as simple controls to implement how much to distribute to each customer.

Automatically shift money between accounts on a purchase, restrict purchases to specific institutions, or more by automatically approving, declining, or adjusting debit card transactions based on whatever criteria you create.

Allow for more convenience and card usability by allowing customers to add their cards to Apple Wallet, Google Wallet, and Samsung Pay.

Create a branded experience for your customers with custom card designs.

Quickly onboard customers by allowing them to activate physical cards from within your product. Virtual cards are automatically activated.

Avoid customer service inquiries by allowing customers freeze and unfreeze cards, report cards as stolen, and set and change the PIN on their debit cards from within your product.

Allow customers to move funds between their accounts and any external bank account by receiving an ACH credit or originating an ACH debit.

Increase deposits and account usage by enabling customers to redirect all or a portion of their paychecks to be deposited into their account automatically.

Provide convenience to customers by allowing them to make deposits into their accounts at thousands of ATMs.

Enable customers to instantly and conveniently deposit checks simply by uploading images of the front and back of the check.

Easily create ecommerce and online payment experiences that help customers get paid by their customers directly into their accounts.

Decrease your customer’s time-to-first-use by allowing customers to immediately fund their account using a debit card.

Provide convenience to customers by allowing them to make cash deposits into their accounts at the register of nearly 100,000 retail locations including Walgreens, Walmart, 7-Eleven, CVS, and more.

All the benefits of a normal ACH transfer without the wait, transfers happen the same day.

Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts.

Receive funds directly into your customers accounts via wire transfers (Fedwire) with just the routing and account numbers.

Receive ACH and wire payments from across borders. Customers can access thousands of payment systems around the world for easy money retrieval.

Allow customers to receive money immediately for incoming ACH payments that have a settlement date that is in the future, such as paychecks.

Allow customers to move funds between their accounts and any external bank account by receiving an ACH debit or originating an ACH credit.

All the benefits of a normal ACH transfer without the wait, transfers happen the same day.

Allow customers to send funds directly from their accounts via wire transfers (aka Fedwire) with just the routing and account numbers.

Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts. Unit also supports batch book payments to deliver multiple payments within the ecosystem in one API call.

Send physical checks directly from your product via an API call.

Create ACH and book payments that happen on a regular schedule, that repeat forever or until you specify they stop to build better subscription, saving, rent, and other types of routine payment experiences.

Instantly send payments simply by specifying the recipient's card information.

Send ACH and wire payments across borders. Customers can allow their payments to be received at thousands of locations around the world.

Allow customers to withdraw money easily and fee-free with access to 55,000+ ATMs across the United States.

Create charge cards for your business and sole proprietor customers. Charge cards are cards with a credit limit that must be repaid in full every month. They are issued by Visa and can be used anywhere Visa is accepted worldwide.

Offer customers instant cash advances using information you have on their income and ability to repay to determine how much to provide, with the ability to set up automatic repayment. For example, give businesses a cash advance based on the recurring revenue you know they generate.

Create new revenue streams by building a factoring product. Simplify the experience and lower your risk by programmatically capturing repayment when your customer gets paid. Finance upcoming payments based off of invoices and purchase orders.

Launch faster by eliminating the need to build a card management experience. Allow customers to activate, add to mobile wallet, freeze/unfreeze their cards with a branded, responsive, and optimized user interface.

Launch faster by eliminating the need to build a book payment experience. Allow customers to send money between accounts on your platform with a branded, responsive, and optimized user interface.

Launch faster by eliminating the need to build a check deposit experience. Enable customers to instantly and conveniently deposit checks simply by uploading images of the front and back of the check.

Launch faster by eliminating the need to build ACH payment flows. Allow customers to move funds between their accounts and any external bank account by receiving an ACH debit or originating an ACH credit.

Launch faster by eliminating the need to build an application form. Onboard customers with a branded, responsive, optimized, and compliant application UI.

Launch faster by eliminating the need to build an account management experience. Allow customers to view account information, balances, and documents with a branded, responsive, and optimized user interface.

Launch faster by eliminating the need to build an activity stream experience. Allow customers to view and filter all of the activities related to their account with a branded, responsive, and optimized user interface.

Deliver custom branded monthly statements to your customers with ease. Our white-labelled statements are offered in HTML or PDF format as well as English and Spanish.

Create a better experience by providing customers with a branded letter confirming their account creation and details.

Track, manage, and report on all of your customers' activities so your team can help your customers and see how your financial products are performing.

Manage your customer’s accounts, freeze accounts, add authorized users, and update account information.

Maintain the appropriate balance of collaboration and control while ensuring that your customer’s data is secure and protected with flexible user permissions for different roles.

Enhance security of your customer’s accounts and data by ensuring that only people within your organization are able to access the Dashboard.

All Unit customers have a dedicated account manager and technical support from day one to ensure your success.

Our team of compliance experts are available to you to help you launch and scale. Focus your time and money on building differentiated products and experiences your customers love.

For applications that require additional documentation and a manual compliance review, we guarantee to review them within 2 business hours of receiving documentation.